My credit union refunds x number of out of network ATM accesses a month, and networks with other credit unions to share both withdraw and deposit with no fees i

My credit union refunds x number of out of network ATM accesses a month, and networks with other credit unions to share both withdraw and deposit with no fees in the first place within that cooperative network. But between credit cards and bank-app deposits, I think my average monthly ATM visits is zero anyway.